Mari chikamu mudyandigere iri mari Bank: wongororo

By paumbwe mudyandigere mari dzinofanira akaswedera nokuchenjera. Saka, usati kusaina magwaro, zvinokosha kudzidza zvakadzama nhoroondo chekambani kuwana mari ezvinhu. Kuunganidza mari zvinogona chete kubata yavose kana private PF. Zvakawanda pamusoro ezvinhu pasi iyo kushumirwa iri mari chikamu mudyandigere iri mari Bank, verenga mberi.

SPC Security

Sberbank - pakukura zvemari boka reRussia, iro harisi chete chikwereti masangano asiwo NPF. The yokupedzisira rakaumbwa muna 1995. A rezinesi kuti ishande munhu mudyandigere mari yakagamuchirwa muna 2009 chete. The Foundation anopa zvinotevera mabasa:

1. Non-Governmental mudyandigere kune vanhu.

2. Insurance nokuti fanira mapurogiramu akadai:

• Investment mari vaunganidza;
• kuroorwa muripo, kana mupenyu nenguva dzirikure zvikomborero;
• co-mari urongwa zvirongwa hurumende.

National Rating Agency akatumirwa Fund chikuru kureva kuti "A ++". Pazuva zvemari kuita pamusoro sangano inogona kuwanika tsika Website.

Muna 2013, nhamba vagari vanenge zvawanyora mari dzavo NPF SC, aiva mamiriyoni 1. Man. Uye pagore nehafu nhamba kaviri. The zvachose kukosha mari muna 2013 -. 72 mln Kwiza nechekuzasi. Vose kudzoka musi mari 52%, paavhareji mitengo mwero nokuda yapfuura makore 4 - 33,88%.

mamiriro

Mari chikamu mudyandigere muna mumari Bank munowedzera kwemari, nokuti zvinoita kuti sangano iri zvishoma zvakawanda mukuenzanisa nevamwe zvakafanana masangano. Uchatamisa mari NPF, unofanira:

• hofisi kambani ane pasipoti uye SNILS;
• kusaina chibvumirano kuti mudyandigere inishuwarenzi (Ops);
• nyora mashoko muhurumende PF kutamira mari yepachivande hwaro.

Documents vanogamuchirwa kusvikira December 31 pagore.

Chikomborero kuburikidza Sberbank

Shandura mari chikamu mudyandigere kuna NPF kunogona kuva kamwe pagore. Sberbank kuvasarudza nayo sesangano kuti kuunganidza mari, mutengi anogona kuvimba kuti acharamba asina kumira mumutsetse vakamirira chinotevera muripo. Mari All zvaive zvakananga mumari Bank of mepu. Nokuti kunyoresa mabasa vanofanira kutaura dhipatimendi ane pasipoti uye gwaro, zadzisa rinokosha kuti vawane mubayiro mashoko uye kuzivisa PF iri kuchinjwa kuti mudyandigere mudyandigere itsva zvakawanda. Pashure paizvozvo, vatengi anogona mari kubva mari kuburikidza chero pedyo ATM, Browse the Internet nepakati, kugadzira SMS chenjedzo pamusoro sangano zvakafanana munyaya yakavhurwa OJSC "Sberbank kweRussia".

Mari chikamu mudyandigere mune mubvunzo

Muna 2015, gakava kwakaita yakawanda kuda Hurumende kudzima kupomerwa kuwanda. Maererano Bazi Finance, ichi chipimo kuuya bhajeti kwemari pamusoro $ mamiriyoni 370. Rubles. rimwe gore, asi zvino kunyangarika kunobva "refu" mari NPF uye Vneshtorgbank, izvo Rinotarisira mari State mari 3 tiririyoni. kuzora. mudzimba Makambani.

Nezvoupfumi pakarepo akaridza kutya. Kukanzura accumulative chikamu kwaizochinja rutapudzo ari yokutsiva mwero 25% nemakore 10. Inishuwarenzi mudyandigere iri indexed tichiregeredza bhajeti mari, izvo kubudikidza 2018 kungasava zvakakwana. Somugumisiro restart mari kubhadhara kuti pensioners uchaderedzwa. RPF haachatyi kukurira mutoro. Hafu vachibhadhara inotsigirwa yeUnited bhajeti. Kuoma wevanotungamirira mamiriro ezvinhu munyika, vachiri mbudo vokuRussia pamudyandigere (55 uye 60 makore pamusoro 63-64 mu dzeEU), uye yakakwirira mugove mumvuri upfumi chete anowedzera mutoro pamusoro NPF. Izvi zvinoreva kuti anotamisa kubva yeUnited bhajeti kunowedzerawo.

nharo

Kwega kuchinja ingava kunaka chaiyo kudzoka musi inivhesitimendi. Mumakore 5 apfuura, kuti profitability pamusoro Vneshtorgbank aiva 28.9% uye mwero mitengo - 46%. The zvachose dambudziko munyika chete kuwedzera zvinhu. Maererano zvakataurwa uye mishumo evanhu, vanhu havana kuvimba NPF uye kuchinja navo mumwe nomumwe pagore. Somugumisiro, masangano vanofanira kusarudza zvinhu. Vanopedzisira-refu muzvirongwa havana mikana.

Vagari vakatanga kunetseka kuti hurumende anoda splurge pamusoro zvakaoma dzavo ramangwana. Asi nezvoupfumi vanoti kuti hazvisi. mugove Accumulative iyo achiumbwa mukati 6%, achatumirwa muripo inishuwarenzi kupera. VokuRussia chete vanofanira kushandisa kuti kuhofisi PF uye kunyora mashoko pamusoro kuchinjwa mari. Mari Bank - mumwe masangano iyo mari chikamu mudyandigere, anogona zviunganidzwe. Customer inofambiswa inosimbisa kuti dzimwe nguva kunyange zvakadaro nyore kunyoresa muitiro, vane matambudziko. Mashoko, uye mari dzimwe nguva havana kusvika nenguva netsika tichiregeredza yakareba chaizvo nguva vanoonekwa.

mamiriro

Vanhu vazhinji vachiri hauzivi kuumba sei nezveramangwana pensions. Formula kunze anotaridzika kuzotyisa uye isinganzwisisiki. Asi vakanyanya zviripo. Inoitwa zvitatu zvinoti:

• chikamu inishuwarenzi chakaumbwa pamwedzi kubhadhara inotambirwa (C);
• inokosha mudyandigere, kuti munhu achawana chero zvazvingava zvishoma muupenyu hwangu aishanda (B);
• mugove akazviunganidzira 6% kuti muhoro (H). mari iyi munhu anogona kusandura yavo nesangano iri paaivatambudza fundraising. Izvi zvinogona kuva kukubatsira utariri kambani (CC) kana NPF. Zvichibvira, somuenzaniso, kuti uchatamisa mari mu nemari. Translation accumulative chikamu mudyandigere iri rakapa zvakananga chikwereti tsika bazi.

mazwi aya vatatu zvino vawanda panguva chaiyo prices kuti vari novimba urefu, kukura muhoro, uye dzimwe nuances. Somugumisiro inonyatsoita ane chimiro:

Mudyandigere B = K1 X + k2 X K3 X C + N.

Hurumende ndaizvipira kushandura coefficient wechitatu rokuti kuti "0".

Sezvinotaurwa muna wongororo, kwete vokuRussia vose vakanyorwa accumulative chikamu mudyandigere iri mari Bank kana mumwe NPF. Pane chikamu vagari vanosarudza kutamira mari kubva VTB. Kwakadaro "nyarara ndivo" hurumende inogona uchatamisa mari chikamu inishuwarenzi mudyandigere. Somugumisiro, mhosva kuchawedzera kubva 16% kusvika 22%. Yaipedzerwa mudyandigere vacharaswa kushandurwa, asi kwete ari divi duku. Ndiyo musimboti itsva kuchinja. Kunyange iye akaramba. Asi zvichida mubvunzo kwokubvuma achamukazve ramangwana zvakare.

Matambudziko chikuru basa

On the forum, unogona kuwana vakawanda kugunun'una pamusoro refu mapepa maitirwe ezvinhu. Kana munhu achida kubvisa mari kubva veruzhinji voga PF kana Criminal Code, anofanira kunyora nemashoko ose zvivako kusvikira 31 December gore rino. Panopera kwacho iri akatumira ziviso uwandu debited uye mari agamuchira nhoroondo NPF mari Bank. Mari chikamu mudyandigere, kuti chikamu mipiro izvo iye kuruoko 6% anofanira ngaitorwe 31 March zvinotevera gore. Asi mushandisi ongororo vanoti mashoko aya kakawanda kutyora. Pano unogona chete zano chimwe chinhu: apo nguva anodana zvose sangano uye uzive chii chakaitika kune mari. Zvakafanana matambudziko, kutonga nezvinooneka zvakataurwa pensioners kuchimuka panyaya kutapurirana mari kubva mumari Bank kune mumwe NPF. It anoshanda mutemo zvakafanana muzvirevo ezvinhu. Mari inofanira kuchinjwa kusvikira 31 March gore rinouya. Saka, kana nemhosva akaita akabvuma kushanda muna April gore rino, achaita kumirira 11 months.

Maererano mashoko zvemari, negore avhareji mwero yokudzoka Security NPF ndiye 5-6%. Asi mari zvirongwa akawanda mari, uye kwete kuti vose achauyiswa mari. Uyezve, zvinhu vanhu kazhinji kushandura NPF. Vatengi akadaro arege paakapiwa iri kwenguva refu tinofanira kugara chikamu mudyandigere iri mari Bank. Anodzokorora vokuRussia zvinoratidza kuti migumisiro 2011-2012 mari goho aiva 0%. Nevari nevanhu mumakore vakawanda kuchinjirwa mari mumwe NPF.

Mari chikamu mudyandigere iri mari Bank: mutengi wongororo

Aongorora vokuRussia mashoko pamusoro unhu mabasa uye padanho kuwana mashoko, tinogona kusiyanisa zvinotevera zvakanakira mikuru pamwe chete nesangano:

• The zvishoma kuisa magwaro. Kusaina chibvumirano vanoda chete pasipoti uye SNILS.
• kugadzira nokukurumidza. Mutengi anogona kunyora kushanda mune chimwe mubhangi mapazi pedyo. Mazuva mashoma gare gare vashandi achadana uye kuronga nguva yokuti kusaina chesungano.
• Kuwana ruzivo. Account mwero inogona kuonekwa nomukombiyuta "Account wangu" pamusoro Website SPF.

Payakaipira (kutonga nezvinooneka wongororo chekambani nemakasitoma):

• kugadzirira kubvunza pamusoro migumisiro mubhizimisi mazuva 30-60;
• kakawanda hwokugadzira kukundikana munyika;
• Security NPF anoshanda, kunyange mari, asi zvibereko Records inofara.

mhedziso

VokuRussia vanogona vakazvimiririra kusarudza sangano chichange mubasa kuunganidza iri mari chikamu mudyandigere wavo. Rimwe remasangano NPF munyika kwairatidzwa mumari Bank muna 1995. Muna 2013, mamiriyoni 1. VokuRussia mumaoko naye pamudyandigere dzavo nemari. The Zvivako unoshanda anobatsira. Maonero pamusoro sangano akasiya zvakawanda anodikamwa. mutengi zvichemo Most chokuita yakareba kuwana mashoko pamusoro migumisiro mubhizimisi mari uye ya nzira kwokunyoreswa kuchinjirwa kubva APF mumwe.